黑龙江省村镇银行可持续发展研究
|
摘要
农村金融是现代农村经济的中心。中国农业基础薄弱,农村经济社会发展水平大大落后于城市,城乡居民收入差距越来越大,其重要原因之一就是农村地区在资金上的严重“贫血”。村镇银行的设立为建立多种形式服务“三农”的农村金融供给主体进行了有益探索,在一定程度上满足了农村的金融需求,补充和完善了农村金融市场,增加了对农村经济的资金支持。村镇银行的发展和完善不仅关系到农民的生产、生活,也关系到整个国家的经济发展、政治稳定、和谐等重大问题,因而成为当前农村金融体制改革的重点和难点。建立和完善我国的村镇银行制度,增加“三农”的资金支持,是建设社会主义新农村的重要内容,也是贯彻科学发展观、构建社会主义和谐社会的根本要求。
为了完善农村金融组织体系,激活农村金融市场,缓解农户和农村中小企业的贷款压力,2008年下半年黑龙江省开始村镇银行试点。至2011年末,黑龙江省开业的村镇银行已达17家,发展势头良好。存款规模增幅较大,贷款业务增速较快,资本充足率较高,风险控制情况明显好于预期。但作为农村新型金融机构,由于成立时间较短,自身发展不足,配套制度不力,目前还面临诸多难题。有鉴于此,本研究立足黑龙江省具体情况,深入调查研究黑龙江省村镇银行发展状况,指出目前村镇银行发展中存在的主要问题,系统分析黑龙江省村镇银行面临的内外部环境,并运用定量方法对黑龙江省各村镇银行可持续发展能力进行综合评价,旨在提出相应的解决对策与配套措施,提高黑龙江省村镇银行核心竞争力,优化黑龙江省村镇银行的内部外环境,促进黑龙江省村镇银行的健康、良序、持续发展。
论文从我国现实出发,运用比较分析、实证分析等方法,针对黑龙江省村镇银行的具体情况进行深入研究。在归纳总结黑龙江省村镇银行发展历程的基础上,深入剖析黑龙江省各村镇银行的发展现状,指出其发展中存在的主要问题：经营成本较高,营业网点较少,业务范围狭窄,吸收存款难,致使盈利水平比较低；受服务对象弱质性和抵押品不足的影响,经营风险较大。这些困难将长期影响黑龙江省村镇银行的生存和发展。运用PEST-SWOT模型的矩阵,把影响黑龙江省村镇银行发展的政策P、经济E、社会S、技术T等因素放到统一的框架内综合考虑,系统分析黑龙江省村镇银行的优势S、劣势W、机遇O、挑战T,客观详实的剖析出黑龙江省村镇银行可持续发展的内外部环境。并从财务维度、客户维度、业务维度、员工维度和风险维度五个方面构建评价指标体系,使用主成分分析和数据包络分析方法,对黑龙江省各村镇银行可持续发展能力进行综合评价。据此,从自身建设、外部环境两方面提出黑龙江省村镇银行可持续发展的对策建议。其一,黑龙江省各村镇银行应积极抓住机遇,充分发挥自身优势,明晰市场定位,提高经营管理水平,加强风险控制体系,促进自身的发足发展。其二,加大扶持政策体系建设,积极推进农村信用体系建设、农村担保体系建设,完善监管体系建设,加快立法体系建设,为黑龙江省村镇银行营造良好的可持续发展环境。
Rural finance is the center of the modern rural economy. China's agricultural foundation is weak. The level of economic and social development in rural areas lagged far behind the city. And the income gap between urban and rural residents is growing. One of the important reasons for these problems is the serious financial "anemic" in rural areas. The establishment of rural banks is a useful exploration to establish various forms of main supply of rural finance. To a certain extent, it meets the financial needs of rural areas to supplement, improves the rural financial market and increases the financial support to the rural economy. The establishment and perfectment of rural banks has a big influence not only on farmers' production and living, but also on economic development, political stability and social harmony of the entire country. Thus it becomes the focus and difficulty of the current rural financial system reform. The establishment and improvement of rural banking system is the important content of building a new socialist countryside. It is also the basic requirement of carrying out Scientific Outlook on Development and constructing harmonious society.
In order to improve the rural financial organization system, activate of the rural financial market, and alleviate loans pressure of farmers and the rural small and medium-sized enterprises, Heilongjiang province started pilot rural bank at the second half of2008. By the end of2011, the opened rural banks in Heilongjiang province has reached17, and has a good momentum of development. The scale of deposit is bigger. The loan business grows rapidly. The capital adequacy rate is higher. The risk control is better than expected. But as a new rural financial institution, due to the establishment of a relatively short time, its lack of development and supporting system, it also faces a lot of problems. In view of this, based on the specific circumstances of Heilongjiang province, the paper investigates the development situation of rural banks in Heilongjiang province thoroughly, pointes out the main questions at present, analyses the internal and external environment, and uses quantitative methods to make a comprehensive evaluation of sustainable development ability of of rural banks in Heilongjiang province. The aim is to put forward the corresponding countermeasures and measures, in order to improve the core competitiveness of the rural banks in Heilongjiang province, optimize the internal and international environment, and promote the rural banks in Heilongjiang province health, well-ordered, sustainable development.
By use of comparative analysis, Empirical analysis and other methods, the paper deeply studies on the specific circumstances of rural banks in Heilongjiang. On the basis of the development process of rural banks in Heilongjiang, the paper analyses the Status of the rural banking system in Heilongjiang and the problems. Higher operating costs, less business outlets, narrow business scope, difficult deposit, result in relatively low profit level. With the weak service object and inadequate collateral, the operating risk is big. These difficulties will have a long-term effect on survival and development of rural banks in Heilongjiang province.Through PEST-SWOT analysis, the paper analyses the strengths, weaknesses, opportunities and threats of rural banks in Heilongjiang Province, and the main factors of sustainable development of rural banks in Heilongjiang Province. On the basis of the evaluation index system from financial, customer, employee, business and risk dimension, the paper makes a comprehensive evaluation of rural banks in Heilongjiang Province, by use of principal component analysis and data envelopment Analysis. Accordingly, the paper puts forward countermeasures and suggestions for the sustainable development of rural banks in Heilongjiang Province from their own construction and external environment.Firstly, rural banks should actively seize the opportunity, take advantage to promote full development and take specific suggestions, such as clearing market position of rural banks, improving the management level of rural banks, strengthening risk control system. Secondly, we should increase policy system construction, promote the construction of credit system and rural guarantee system in the countryside, perfect supervision system construction, and speed up legislation system construction. In this way, we can create a good environment for sustainable development of rural banking system in Heilongjiang Province.
为了完善农村金融组织体系,激活农村金融市场,缓解农户和农村中小企业的贷款压力,2008年下半年黑龙江省开始村镇银行试点。至2011年末,黑龙江省开业的村镇银行已达17家,发展势头良好。存款规模增幅较大,贷款业务增速较快,资本充足率较高,风险控制情况明显好于预期。但作为农村新型金融机构,由于成立时间较短,自身发展不足,配套制度不力,目前还面临诸多难题。有鉴于此,本研究立足黑龙江省具体情况,深入调查研究黑龙江省村镇银行发展状况,指出目前村镇银行发展中存在的主要问题,系统分析黑龙江省村镇银行面临的内外部环境,并运用定量方法对黑龙江省各村镇银行可持续发展能力进行综合评价,旨在提出相应的解决对策与配套措施,提高黑龙江省村镇银行核心竞争力,优化黑龙江省村镇银行的内部外环境,促进黑龙江省村镇银行的健康、良序、持续发展。
论文从我国现实出发,运用比较分析、实证分析等方法,针对黑龙江省村镇银行的具体情况进行深入研究。在归纳总结黑龙江省村镇银行发展历程的基础上,深入剖析黑龙江省各村镇银行的发展现状,指出其发展中存在的主要问题：经营成本较高,营业网点较少,业务范围狭窄,吸收存款难,致使盈利水平比较低；受服务对象弱质性和抵押品不足的影响,经营风险较大。这些困难将长期影响黑龙江省村镇银行的生存和发展。运用PEST-SWOT模型的矩阵,把影响黑龙江省村镇银行发展的政策P、经济E、社会S、技术T等因素放到统一的框架内综合考虑,系统分析黑龙江省村镇银行的优势S、劣势W、机遇O、挑战T,客观详实的剖析出黑龙江省村镇银行可持续发展的内外部环境。并从财务维度、客户维度、业务维度、员工维度和风险维度五个方面构建评价指标体系,使用主成分分析和数据包络分析方法,对黑龙江省各村镇银行可持续发展能力进行综合评价。据此,从自身建设、外部环境两方面提出黑龙江省村镇银行可持续发展的对策建议。其一,黑龙江省各村镇银行应积极抓住机遇,充分发挥自身优势,明晰市场定位,提高经营管理水平,加强风险控制体系,促进自身的发足发展。其二,加大扶持政策体系建设,积极推进农村信用体系建设、农村担保体系建设,完善监管体系建设,加快立法体系建设,为黑龙江省村镇银行营造良好的可持续发展环境。
Rural finance is the center of the modern rural economy. China's agricultural foundation is weak. The level of economic and social development in rural areas lagged far behind the city. And the income gap between urban and rural residents is growing. One of the important reasons for these problems is the serious financial "anemic" in rural areas. The establishment of rural banks is a useful exploration to establish various forms of main supply of rural finance. To a certain extent, it meets the financial needs of rural areas to supplement, improves the rural financial market and increases the financial support to the rural economy. The establishment and perfectment of rural banks has a big influence not only on farmers' production and living, but also on economic development, political stability and social harmony of the entire country. Thus it becomes the focus and difficulty of the current rural financial system reform. The establishment and improvement of rural banking system is the important content of building a new socialist countryside. It is also the basic requirement of carrying out Scientific Outlook on Development and constructing harmonious society.
In order to improve the rural financial organization system, activate of the rural financial market, and alleviate loans pressure of farmers and the rural small and medium-sized enterprises, Heilongjiang province started pilot rural bank at the second half of2008. By the end of2011, the opened rural banks in Heilongjiang province has reached17, and has a good momentum of development. The scale of deposit is bigger. The loan business grows rapidly. The capital adequacy rate is higher. The risk control is better than expected. But as a new rural financial institution, due to the establishment of a relatively short time, its lack of development and supporting system, it also faces a lot of problems. In view of this, based on the specific circumstances of Heilongjiang province, the paper investigates the development situation of rural banks in Heilongjiang province thoroughly, pointes out the main questions at present, analyses the internal and external environment, and uses quantitative methods to make a comprehensive evaluation of sustainable development ability of of rural banks in Heilongjiang province. The aim is to put forward the corresponding countermeasures and measures, in order to improve the core competitiveness of the rural banks in Heilongjiang province, optimize the internal and international environment, and promote the rural banks in Heilongjiang province health, well-ordered, sustainable development.
By use of comparative analysis, Empirical analysis and other methods, the paper deeply studies on the specific circumstances of rural banks in Heilongjiang. On the basis of the development process of rural banks in Heilongjiang, the paper analyses the Status of the rural banking system in Heilongjiang and the problems. Higher operating costs, less business outlets, narrow business scope, difficult deposit, result in relatively low profit level. With the weak service object and inadequate collateral, the operating risk is big. These difficulties will have a long-term effect on survival and development of rural banks in Heilongjiang province.Through PEST-SWOT analysis, the paper analyses the strengths, weaknesses, opportunities and threats of rural banks in Heilongjiang Province, and the main factors of sustainable development of rural banks in Heilongjiang Province. On the basis of the evaluation index system from financial, customer, employee, business and risk dimension, the paper makes a comprehensive evaluation of rural banks in Heilongjiang Province, by use of principal component analysis and data envelopment Analysis. Accordingly, the paper puts forward countermeasures and suggestions for the sustainable development of rural banks in Heilongjiang Province from their own construction and external environment.Firstly, rural banks should actively seize the opportunity, take advantage to promote full development and take specific suggestions, such as clearing market position of rural banks, improving the management level of rural banks, strengthening risk control system. Secondly, we should increase policy system construction, promote the construction of credit system and rural guarantee system in the countryside, perfect supervision system construction, and speed up legislation system construction. In this way, we can create a good environment for sustainable development of rural banking system in Heilongjiang Province.
引文
[1]中共中央关于推进农村改革发展若干重大问题的决定[N].江西政报,2008-11-08.
[2]Scott E. Hein,Timothy W. Koch, S. Scott MacDonald. On the uniqueness of community banks, Economic Review[J].Federal Reserve Bank of Atlanta,2005(1):15-36.
[3]Williama R. Emmons, R. Alton Gilbert,Timothy J. Yeager, Scale economies and geographic diversification as forces driving community bank mergers[J]. Working Paper, Federal Reserve Bank of St. Louis in its series:104.
[4]Robert Deyoung, William C. Hunter, Gregory F. Udell.The Past, Present, and Probably Future for Community Banks[J].Working Paper, Federal Reserve Bank ofChicago,2003:26.
[5]Allen N.Beger, Iftekhan Harsan, Leora F.Klapper.Journal of Financial Services Research[J], Kluwer Academic Publishers,2004:64.
[6]Leonard I. Nakamura.Small borrowers and the survival of the small bank:is mouse bank Mighty or Mickey[J].Federal Reserve Bank of Philadelphia in its journal Business Review.1994,(11):3-15.
[7]Petersen, Mitchell ARajan, Raghuram G.The Benefits of Lending Relationships:Evidence From Small Business Data [J]. Journal of Finance,1994,49(1):3-37.
[8]Mitchell Berlin, Loretta J. Mester.Deposits and Relationship Lending[J]. Federal Reserve Bank of Philadelphia in its series Working Papers with number 98-22,1998(11).
[9]Leonard I. Nakamura. Information externalities:why lending may sometimes need a jump start [J].Federal Reserve Bank of Philadelphia in its journal Business Review,1993(1):3-14.
[10]William Keeton.The role of community banks in the U.S. economy [J].Federal Reserve Bank of Kansas City in its journal Economic Review,2003(2):15-43.
[11]Hannan, Timothy. Retail fees of depository institutions [J].Board of Governors, Federal Reserve Bulletin,2001(1):256-259.
[12]巴曙松.当前美国社区金融活动及其发展趋势[EB/OL][2002-6-26]http://www.china-review.com.
[13]Berger, Allen N,G F Udell. Small Business Credit Availability and Relationship Lending:The Importance of Bank Organizational Structure [J].The Economic Journal,2002(112):32-53.
[14]James E. McNulty, Aigbe O. Akhigbe, James A. Verbrugge. Small bank loan quality in a deregulated environment:the information advantage hypothesis [J].Elsevier in its journal Journal of Economics and Business,2001,53(2):325-339.
[15]王爱俭.中国社区银行发展模式研究[M].北京：中国金融出版社,2006：106-114.
[16]Berger, Allen N,G F Udell. Small Business Credit Availability and Relationship Lending:The Importance of Bank Organizational Structure[J].The Economic Journal,2002,(112):32-53.
[17]Marvin Duncan, Richard D. Taylor. Opportunities for rural community banks in farm lending[J].Federal Reserve Bank of Kansas City in its journal Economic Review, 1993(4):41-52.
[18]Deborah M.Markley,Ron Shaffer.Rural banks and their communities:a matter of survival[J]. Federal Reserve Bank of Kansas City in its journal Economic Review,1993,(3):73-79.
[19]George Owusu.The Role of Small Towns in Regional Development and Poverty Reduction in Ghana [J]. Wiley Blackwell in its journal International Journal of Urban and Regional Research,2008,32(2):453-472.
[20]段飞.孟加拉“乡村银行”的启示[J].理论月刊,2008(12)：69.
[21]周立.中国农村金融：市场体系与实践调查[M].北京：中国农业科学出版社,2010：581.
[22]郑艳丽.构建农村社区银行支持农村社区发展[J].边疆经济与文化,2005(2)：40-41.
[23]徐佼,杨烨.村镇社区银行：城市金融反哺农村金融的选择[J].吉林工商学院学报,2008,24(1)：92-95.
[24]王敏杰,应丽艳,王文晋.新农村建设中农村社区银行发展战略探析[J].农业经济,2008,(5)：89-90.
[25]王继东.对我国村镇银行快速发展的一些思考[J].生产力研究,2008,(6)：25-26.
[26]黄刚.农发行控股村镇银行研究.农业经济问题,2008,(10)：69-72.
[27]赵虹.对黑龙江省首家村镇银行运营情况的调查[J].黑龙江金融,2009,(6)：81-82.
[28]侯俊华,汤作华.村镇银行可持续发展的对策分析[J].农村经济,2009,(7)：71-72.
[29]丁忠民.村镇银行发展与缓解农村金融困境研究[J].农业经济问题,2009,(7)：49-53.
[30]李玉品,迟宝旭.黑龙江省组建村镇银行的SWOT分析与对策[J].商业经济,2009,(7)：8-10.
[31]吴治民,韩扬.村镇银行在农村金融生态建设中的作用研究[J].农村金融,2007,(6)：93.
[32]何树红,张俊杰.新农村建设与村镇银行的发展[J].乡镇经济.2008,(9)：19-21.
[33]王曙光.产权和治理结构约束、隐性担保与村镇银行信贷行为[J].经济体制改革,2009,(3)： 76.
[34]慕丽杰,王兆钢.村镇银行的发展与城乡中小企业融资困境的破解[J].农业经济,2011,(4)：78.
[35]杨建光.村镇银行：定位控险稳步发展[J].农村经济,2008,(11)：88-90.
[36]李东卫.村镇银行发展：理论基础与实证研究[J].河南金融管理干部学院学报,2009,(3)：20-24.
[37]赵方,王建中,杨海芬.“生态位”视角下村镇银行发展战略探讨[J].财会月刊,2011,(10)：44.
[38]祖晓青.村镇银行融资问题解析[J].中国乡镇企业会计,2008,(12)：171.
[39]王晓燕.我国村镇银行发展存在的问题及对策[J].商业时代,2009,(21)：49.
[40]朱乾宇,张忠永.村镇银行的“支农”效应与制约因素[J].农村金融研究,2009,(4)：65-70.
[41]邹力宏,姚滢.我国村镇银行的市场定位分析[J].金融与经济,2008,(4)：58-60.
[42]王大威,丁薇.透析村镇银行发展现状[J].银行家,2009,(11)：109
[43]李建华.约束与深化：我国村镇银行建设研究[J].中州学刊,2008,(3)：36
[44]白鹏飞.农村信用体系微观建构[D].延安：延安大学经济管理学院,2007.
[45]王利军,赵博.村镇银行担保法律制度的创新[J].特区经济,2009,(8)：70.
[46]卓武扬、黄小宁.再论村镇银行发展的法律保障与政策支持[J].农业经济,2009,(7)：59.
[47]张可新,王利军.多元法学视角下的村镇银行[J].河北师范大学学报(哲学社会科学版),2009,32(5).
[48]史二彪.村镇银行的多重视角思考[J].法制与社会,2011,(2)：105.
[49]任长青.市场定位决定村镇银行的可持续性[J].中国金融,2011,(2)：57-59.
[50]高晓燕,孙晓靓.我国村镇银行可持续发展研究[J].财经问题研究,2011,(6)：96-100.
[51]韩雪萌.改制村镇银行须确保质量和支农方向[N].金融时报,2009-06-19.
[52]姜柏林.村镇银行与信用合作组织的区别[EB/OL].三农中国.[2007-04-1]http://www.snzg.cn.
[53]甘勇.我国农村商业性金融发展研究[D].湖南农业大学,2008.
[54]郭翔宇等.中国农业与农村经济发展前沿问题研究[M].北京：中国农业出版社,2007：136.
[55]李伏安.对村镇银行可持续发展的思考[EB/OL].金融时报.[2011-11-28]http://www. zgjrw.com/News/20111128/ruraleconomics.
[56]朱新蓉.金融学[M].北京：中国金融出版社,2005：496.
[57]欧阳勇,陈素,葛俊龙.金融理论教程[M].成都：西南财经大学出版社,2006：190-202
[581袁纯清.金融共生理论与城市商业银行改革[M].北京：商务印务馆,2002：54.
[59]白钦先.金融可持续发展理论研究导论[M].北京：中国金融出版社,2000：146.
[60]王光宇.2008年度中国农村银行业金融机构现状分析[J].银行家,2009,(9)：54.
[61]章文贡,黄诗欣.银监会：规模化批量化“生产”村镇银行.第一财经日报,2011-07-28.
[62]崔欣爽,季小舟.外资银行加速跑马圈地青睐二三线城市和村镇银行[J].中国外资,2011, (5)：67.
[63]黄玫,车晓蕙.外资银行争抢中国村镇银行“蛋糕”[EB/OL].新华网[2009-4-13]http:// www.snzg.cn.
[64]刘洁.哈尔滨银行百亿惠农贷款挺进农村.哈尔滨银行百亿惠农贷款挺进农村[N].中华工商时报,2009-01-05.
[65]葛立明.依安润生村镇银行积极探索开拓创新实现可持续健康发展[EB/OL]. [2011-6-24] http://www.zdfjr.org.
[66]王大威,丁薇.透析村镇银行发展现状[J].银行家,2009,(11)：109.
[67]祝健.中国农村金融体系重构研究[M].北京：社会科学文献出版社,2008：94-95.
[68]张远军.中国农村走向繁荣的金融选择[M].北京：中国金融出版社,2008：72-73.
[69]王修华,贺小金,何婧.村镇银行发展的制度约束及优化设计[J].农村经济问题,2010,(8)59.
[70]村镇银行信誉度低难揽存款技术落后成“金融孤岛”[N].21世纪经济报道,2010-04-12.
[71]汪小亚.农村金融体制改革研究[M].北京：中国金融出版社,2009：230.
[72]2011年黑龙江省粮食产量新闻发布会[N].黑龙江人民政府网,2011-12-12.
[73]2010年黑龙江省国民经济和社会发展统计公报[N].黑龙江日报,2011-03-24.
[74]何广文,李树生等编著.农村金融学[M].北京：中国金融出版社,2008：161.
[75]宋雪莲.黑龙江省金融学会会长周逢民：黑龙江春耕资金缺口高达35亿[N].中国经济周刊,2009-04-07.
[76]龚云华.创新和完善农村金融服务支持体系研究[M].北京：中国金融出版社,2009：44.
[77]岳云波.村镇银行发展经营中的难点及对策——以杜尔伯特润生村镇银行为例[EB/OL].黑龙江省银行业协会网站,2011-9-17
[78]付洪垒,郑玉刚,马玉波.黑龙江村镇银行建设问题探讨[J].商业时代,2009,(6)：123.
[79]张杰.中国农村金融制度：结构、变迁与政策[M].北京：中国人民大学出版社,2003年：192.
[80]何广文等著.中国农村金融发展与制度变迁[M].北京：中国财政经济出版社,2005：42-43.
[81]蔡瑞娟.村镇银行股权机构研究[J].法学杂志,2010,(2)：125-127.
[82]张笑尘.村镇银行市场定位分析[J].西部金融,2009,(6)：24.
[83]唐善清.村镇银行发展状况的调查与思考[EB/OL].中国乡村发现网.2010-04-07.
[84]孙翯.中小银行可持续发展策略：规模领先还是特色制胜?[J].金融论坛.2011, (4)：34.
[85]马国成,刘树青.农信社如何应对村镇银行的挑战[N].中国农村信用合作报.2011-05-05.
[86]沃土丰碑——陵川县太行村镇银行成立三周年巡礼[EB/OL].陵川新闻.2011-11-04.
[87]赵志刚,巴曙松.我国村镇银行的发展困境与政策建议[J].新金融,2011,(1)：43
[88]孙永波.中小企业信用担保体系的制度性缺陷及其制度创新[J].管理世界,2005,(11)：146-147
[89]包爽.我国村镇银行发展的法律对策研究[D].湖南大学,2009：54.
[90]张忠永.村镇银行的风险控制问题[J].农村金融,2008,(3)：91.
[2]Scott E. Hein,Timothy W. Koch, S. Scott MacDonald. On the uniqueness of community banks, Economic Review[J].Federal Reserve Bank of Atlanta,2005(1):15-36.
[3]Williama R. Emmons, R. Alton Gilbert,Timothy J. Yeager, Scale economies and geographic diversification as forces driving community bank mergers[J]. Working Paper, Federal Reserve Bank of St. Louis in its series:104.
[4]Robert Deyoung, William C. Hunter, Gregory F. Udell.The Past, Present, and Probably Future for Community Banks[J].Working Paper, Federal Reserve Bank ofChicago,2003:26.
[5]Allen N.Beger, Iftekhan Harsan, Leora F.Klapper.Journal of Financial Services Research[J], Kluwer Academic Publishers,2004:64.
[6]Leonard I. Nakamura.Small borrowers and the survival of the small bank:is mouse bank Mighty or Mickey[J].Federal Reserve Bank of Philadelphia in its journal Business Review.1994,(11):3-15.
[7]Petersen, Mitchell ARajan, Raghuram G.The Benefits of Lending Relationships:Evidence From Small Business Data [J]. Journal of Finance,1994,49(1):3-37.
[8]Mitchell Berlin, Loretta J. Mester.Deposits and Relationship Lending[J]. Federal Reserve Bank of Philadelphia in its series Working Papers with number 98-22,1998(11).
[9]Leonard I. Nakamura. Information externalities:why lending may sometimes need a jump start [J].Federal Reserve Bank of Philadelphia in its journal Business Review,1993(1):3-14.
[10]William Keeton.The role of community banks in the U.S. economy [J].Federal Reserve Bank of Kansas City in its journal Economic Review,2003(2):15-43.
[11]Hannan, Timothy. Retail fees of depository institutions [J].Board of Governors, Federal Reserve Bulletin,2001(1):256-259.
[12]巴曙松.当前美国社区金融活动及其发展趋势[EB/OL][2002-6-26]http://www.china-review.com.
[13]Berger, Allen N,G F Udell. Small Business Credit Availability and Relationship Lending:The Importance of Bank Organizational Structure [J].The Economic Journal,2002(112):32-53.
[14]James E. McNulty, Aigbe O. Akhigbe, James A. Verbrugge. Small bank loan quality in a deregulated environment:the information advantage hypothesis [J].Elsevier in its journal Journal of Economics and Business,2001,53(2):325-339.
[15]王爱俭.中国社区银行发展模式研究[M].北京：中国金融出版社,2006：106-114.
[16]Berger, Allen N,G F Udell. Small Business Credit Availability and Relationship Lending:The Importance of Bank Organizational Structure[J].The Economic Journal,2002,(112):32-53.
[17]Marvin Duncan, Richard D. Taylor. Opportunities for rural community banks in farm lending[J].Federal Reserve Bank of Kansas City in its journal Economic Review, 1993(4):41-52.
[18]Deborah M.Markley,Ron Shaffer.Rural banks and their communities:a matter of survival[J]. Federal Reserve Bank of Kansas City in its journal Economic Review,1993,(3):73-79.
[19]George Owusu.The Role of Small Towns in Regional Development and Poverty Reduction in Ghana [J]. Wiley Blackwell in its journal International Journal of Urban and Regional Research,2008,32(2):453-472.
[20]段飞.孟加拉“乡村银行”的启示[J].理论月刊,2008(12)：69.
[21]周立.中国农村金融：市场体系与实践调查[M].北京：中国农业科学出版社,2010：581.
[22]郑艳丽.构建农村社区银行支持农村社区发展[J].边疆经济与文化,2005(2)：40-41.
[23]徐佼,杨烨.村镇社区银行：城市金融反哺农村金融的选择[J].吉林工商学院学报,2008,24(1)：92-95.
[24]王敏杰,应丽艳,王文晋.新农村建设中农村社区银行发展战略探析[J].农业经济,2008,(5)：89-90.
[25]王继东.对我国村镇银行快速发展的一些思考[J].生产力研究,2008,(6)：25-26.
[26]黄刚.农发行控股村镇银行研究.农业经济问题,2008,(10)：69-72.
[27]赵虹.对黑龙江省首家村镇银行运营情况的调查[J].黑龙江金融,2009,(6)：81-82.
[28]侯俊华,汤作华.村镇银行可持续发展的对策分析[J].农村经济,2009,(7)：71-72.
[29]丁忠民.村镇银行发展与缓解农村金融困境研究[J].农业经济问题,2009,(7)：49-53.
[30]李玉品,迟宝旭.黑龙江省组建村镇银行的SWOT分析与对策[J].商业经济,2009,(7)：8-10.
[31]吴治民,韩扬.村镇银行在农村金融生态建设中的作用研究[J].农村金融,2007,(6)：93.
[32]何树红,张俊杰.新农村建设与村镇银行的发展[J].乡镇经济.2008,(9)：19-21.
[33]王曙光.产权和治理结构约束、隐性担保与村镇银行信贷行为[J].经济体制改革,2009,(3)： 76.
[34]慕丽杰,王兆钢.村镇银行的发展与城乡中小企业融资困境的破解[J].农业经济,2011,(4)：78.
[35]杨建光.村镇银行：定位控险稳步发展[J].农村经济,2008,(11)：88-90.
[36]李东卫.村镇银行发展：理论基础与实证研究[J].河南金融管理干部学院学报,2009,(3)：20-24.
[37]赵方,王建中,杨海芬.“生态位”视角下村镇银行发展战略探讨[J].财会月刊,2011,(10)：44.
[38]祖晓青.村镇银行融资问题解析[J].中国乡镇企业会计,2008,(12)：171.
[39]王晓燕.我国村镇银行发展存在的问题及对策[J].商业时代,2009,(21)：49.
[40]朱乾宇,张忠永.村镇银行的“支农”效应与制约因素[J].农村金融研究,2009,(4)：65-70.
[41]邹力宏,姚滢.我国村镇银行的市场定位分析[J].金融与经济,2008,(4)：58-60.
[42]王大威,丁薇.透析村镇银行发展现状[J].银行家,2009,(11)：109
[43]李建华.约束与深化：我国村镇银行建设研究[J].中州学刊,2008,(3)：36
[44]白鹏飞.农村信用体系微观建构[D].延安：延安大学经济管理学院,2007.
[45]王利军,赵博.村镇银行担保法律制度的创新[J].特区经济,2009,(8)：70.
[46]卓武扬、黄小宁.再论村镇银行发展的法律保障与政策支持[J].农业经济,2009,(7)：59.
[47]张可新,王利军.多元法学视角下的村镇银行[J].河北师范大学学报(哲学社会科学版),2009,32(5).
[48]史二彪.村镇银行的多重视角思考[J].法制与社会,2011,(2)：105.
[49]任长青.市场定位决定村镇银行的可持续性[J].中国金融,2011,(2)：57-59.
[50]高晓燕,孙晓靓.我国村镇银行可持续发展研究[J].财经问题研究,2011,(6)：96-100.
[51]韩雪萌.改制村镇银行须确保质量和支农方向[N].金融时报,2009-06-19.
[52]姜柏林.村镇银行与信用合作组织的区别[EB/OL].三农中国.[2007-04-1]http://www.snzg.cn.
[53]甘勇.我国农村商业性金融发展研究[D].湖南农业大学,2008.
[54]郭翔宇等.中国农业与农村经济发展前沿问题研究[M].北京：中国农业出版社,2007：136.
[55]李伏安.对村镇银行可持续发展的思考[EB/OL].金融时报.[2011-11-28]http://www. zgjrw.com/News/20111128/ruraleconomics.
[56]朱新蓉.金融学[M].北京：中国金融出版社,2005：496.
[57]欧阳勇,陈素,葛俊龙.金融理论教程[M].成都：西南财经大学出版社,2006：190-202
[581袁纯清.金融共生理论与城市商业银行改革[M].北京：商务印务馆,2002：54.
[59]白钦先.金融可持续发展理论研究导论[M].北京：中国金融出版社,2000：146.
[60]王光宇.2008年度中国农村银行业金融机构现状分析[J].银行家,2009,(9)：54.
[61]章文贡,黄诗欣.银监会：规模化批量化“生产”村镇银行.第一财经日报,2011-07-28.
[62]崔欣爽,季小舟.外资银行加速跑马圈地青睐二三线城市和村镇银行[J].中国外资,2011, (5)：67.
[63]黄玫,车晓蕙.外资银行争抢中国村镇银行“蛋糕”[EB/OL].新华网[2009-4-13]http:// www.snzg.cn.
[64]刘洁.哈尔滨银行百亿惠农贷款挺进农村.哈尔滨银行百亿惠农贷款挺进农村[N].中华工商时报,2009-01-05.
[65]葛立明.依安润生村镇银行积极探索开拓创新实现可持续健康发展[EB/OL]. [2011-6-24] http://www.zdfjr.org.
[66]王大威,丁薇.透析村镇银行发展现状[J].银行家,2009,(11)：109.
[67]祝健.中国农村金融体系重构研究[M].北京：社会科学文献出版社,2008：94-95.
[68]张远军.中国农村走向繁荣的金融选择[M].北京：中国金融出版社,2008：72-73.
[69]王修华,贺小金,何婧.村镇银行发展的制度约束及优化设计[J].农村经济问题,2010,(8)59.
[70]村镇银行信誉度低难揽存款技术落后成“金融孤岛”[N].21世纪经济报道,2010-04-12.
[71]汪小亚.农村金融体制改革研究[M].北京：中国金融出版社,2009：230.
[72]2011年黑龙江省粮食产量新闻发布会[N].黑龙江人民政府网,2011-12-12.
[73]2010年黑龙江省国民经济和社会发展统计公报[N].黑龙江日报,2011-03-24.
[74]何广文,李树生等编著.农村金融学[M].北京：中国金融出版社,2008：161.
[75]宋雪莲.黑龙江省金融学会会长周逢民：黑龙江春耕资金缺口高达35亿[N].中国经济周刊,2009-04-07.
[76]龚云华.创新和完善农村金融服务支持体系研究[M].北京：中国金融出版社,2009：44.
[77]岳云波.村镇银行发展经营中的难点及对策——以杜尔伯特润生村镇银行为例[EB/OL].黑龙江省银行业协会网站,2011-9-17
[78]付洪垒,郑玉刚,马玉波.黑龙江村镇银行建设问题探讨[J].商业时代,2009,(6)：123.
[79]张杰.中国农村金融制度：结构、变迁与政策[M].北京：中国人民大学出版社,2003年：192.
[80]何广文等著.中国农村金融发展与制度变迁[M].北京：中国财政经济出版社,2005：42-43.
[81]蔡瑞娟.村镇银行股权机构研究[J].法学杂志,2010,(2)：125-127.
[82]张笑尘.村镇银行市场定位分析[J].西部金融,2009,(6)：24.
[83]唐善清.村镇银行发展状况的调查与思考[EB/OL].中国乡村发现网.2010-04-07.
[84]孙翯.中小银行可持续发展策略：规模领先还是特色制胜?[J].金融论坛.2011, (4)：34.
[85]马国成,刘树青.农信社如何应对村镇银行的挑战[N].中国农村信用合作报.2011-05-05.
[86]沃土丰碑——陵川县太行村镇银行成立三周年巡礼[EB/OL].陵川新闻.2011-11-04.
[87]赵志刚,巴曙松.我国村镇银行的发展困境与政策建议[J].新金融,2011,(1)：43
[88]孙永波.中小企业信用担保体系的制度性缺陷及其制度创新[J].管理世界,2005,(11)：146-147
[89]包爽.我国村镇银行发展的法律对策研究[D].湖南大学,2009：54.
[90]张忠永.村镇银行的风险控制问题[J].农村金融,2008,(3)：91.